--- title: "Business Insurance Coverage" description: "Explore business insurance coverage, policy questions, applications and providers." canonical: "https://spot.insure/coverage" page-type: "coverage-directory" updated-at: "2026-09-16" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, and compare_providers for sourced comparisons. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage) # Business Insurance Coverage Explore business insurance coverage, policy questions, applications and providers. - [What Are Employee Health Benefits?](https://spot.insure/coverage/employee-health-benefits): Employee health benefits help your team pay for medical care through an employer-sponsored plan or arrangement. - [What Are Fidelity Bonds?](https://spot.insure/coverage/fidelity-bonds): Fidelity bonds and employee-dishonesty coverage protect against specified losses caused by dishonest employees or people handling plan assets. - [What Are Surety Bonds?](https://spot.insure/coverage/surety-bonds): A surety bond guarantees an obligation your business owes to a customer or other party if your business defaults. - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses. - [What Is Builders Risk Insurance?](https://spot.insure/coverage/builders-risk): Builders risk helps protect a construction project and its materials against covered property damage while work is underway. - [What Is Cargo and Transit Insurance?](https://spot.insure/coverage/cargo-transit): Cargo and transit insurance helps protect goods during transport, with coverage that depends on the journey and your responsibility for the shipment. - [What Is Commercial Auto Insurance?](https://spot.insure/coverage/commercial-auto): Commercial auto insurance can cover your business's liability on the road and damage to the vehicles you insure. - [What Is Commercial Property Insurance?](https://spot.insure/coverage/commercial-property): Commercial property insurance can help repair or replace your building, equipment and stock after a covered loss. - [What Is Contract Frustration Insurance?](https://spot.insure/coverage/contract-frustration): Contract frustration insurance can protect against losses when specified political events or government actions disrupt an international contract. - [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud. - [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident. - [What Is Digital-Asset Insurance?](https://spot.insure/coverage/digital-assets): Digital-asset insurance can protect specified custody, theft and liability risks, with terms that depend on the assets and how they're held. - [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): Directors and officers insurance can help pay for covered claims against company leaders over decisions they make in running the business. - [What Is Employment Practices Liability Insurance?](https://spot.insure/coverage/employment-practices): Employment practices liability insurance can help defend your business against covered claims of discrimination, harassment and wrongful termination. - [What Is Equipment Breakdown Insurance?](https://spot.insure/coverage/equipment-breakdown): Equipment breakdown insurance can help pay for damage from covered electrical or mechanical failures in the systems your business relies on. - [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability insurance can help with covered claims that your business or its people mishandled employee benefit plan responsibilities. - [What Is Garage Liability Insurance?](https://spot.insure/coverage/garage-liability): Garage liability insurance addresses injury and property-damage claims arising from repair shops and other garage operations. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability insurance helps with covered claims for injuries to other people, damage to their property and specified advertising offenses. - [What Is Generative AI Liability Insurance?](https://spot.insure/coverage/generative-ai-liability): Generative AI liability coverage addresses specified claims arising from your use of AI, such as inaccurate outputs or disputed content. - [What Is Hired and Non-Owned Auto Insurance?](https://spot.insure/coverage/hired-non-owned-auto): Hired and non-owned auto liability can protect your business when employees use personal or rented vehicles for work. - [What Is Inland Marine Insurance?](https://spot.insure/coverage/inland-marine): Inland marine insurance includes specialized protection for equipment that moves between jobs and goods in transit. - [What Is Intellectual Property Insurance?](https://spot.insure/coverage/intellectual-property): Intellectual property insurance can help pay the costs of disputes involving patents, trademarks, copyrights and other specified rights. - [What Is Key Person Insurance?](https://spot.insure/coverage/key-person): Key person life insurance is intended to pay your business money if an insured founder or employee it depends on dies. - [What Is Kidnap and Ransom Insurance?](https://spot.insure/coverage/kidnap-ransom): Kidnap and ransom insurance combines financial protection for specified crises with access to experienced response specialists. - [What Is Last-Mile Delivery Insurance?](https://spot.insure/coverage/last-mile-delivery): Last-mile delivery programs can combine vehicle, cargo and other coverage for businesses delivering goods to their final destination. - [What Is Liquor Liability Insurance?](https://spot.insure/coverage/liquor-liability): Liquor liability insurance addresses claims arising from your business selling, serving or furnishing alcohol. - [What Is Management Liability Insurance?](https://spot.insure/coverage/management-liability): Management liability packages can combine D&O, employment practices and other protection for the risks of running your business. - [What Is Media Liability Insurance?](https://spot.insure/coverage/media): Media liability insurance addresses covered claims about the content you create or distribute, including defamation and infringement allegations. - [What Is Medical Malpractice Insurance?](https://spot.insure/coverage/medical-malpractice): Medical malpractice insurance can help pay defense costs and covered damages from claims about a health care professional's medical services. - [What Is Product Liability Insurance?](https://spot.insure/coverage/product-liability): Product liability insurance addresses injury or damage claims involving defective products your business makes, distributes or sells. - [What Is Product Recall Insurance?](https://spot.insure/coverage/product-recall): Product recall insurance can help pay specified costs of withdrawing a product, such as notification, shipping and disposal. - [What Is Professional Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/professional-errors-omissions): Professional E&O insurance addresses claims that a mistake in your advice or services caused a client financial loss. - [What Is Representations and Warranties Insurance?](https://spot.insure/coverage/representations-warranties): Representations and warranties insurance addresses financial loss from inaccurate statements in a business purchase agreement. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology E&O insurance addresses claims that a problem with your technology product or service caused a customer financial loss. - [What Is Trucking Insurance?](https://spot.insure/coverage/trucking): Trucking insurance programs can combine vehicle liability, truck damage and cargo protection for your hauling operations. - [What Is Umbrella and Excess Liability Insurance?](https://spot.insure/coverage/umbrella-excess): Umbrella and excess liability insurance can add limits above the underlying policies it lists, subject to its coverage terms. - [What Is Venture Capital Asset Protection Insurance?](https://spot.insure/coverage/venture-capital-asset-protection): Venture capital asset protection is fund-level management and professional liability coverage for venture capital and private equity firms. - [What Is Virtual Care and Telehealth Insurance?](https://spot.insure/coverage/virtual-care-telehealth): Virtual care and telehealth insurance addresses liability for remote consultations and other health care delivered through technology. - [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers' compensation addresses medical care, rehabilitation and lost wages for employees with work-related injuries or illnesses. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)